Healthcare professionals and students

We take care of you

To help you take care of the people who rely on you, National Bank offers an exclusive financial package for health professionals. Access unique banking privileges and benefit from of our financing and investment solutions for you and your business. We'll provide sound banking solutions for your personal and professional needs!

Advantages for professionals

Up to three bank accounts and unlimited transactions

Up to three CDN$ or US$ bank accounts1 with no monthly services fees and unlimited transactions on most of the automated services you use on a daily basis.

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Enter a world of privileges with the World MasterCard credit card

The generous World MasterCard® credit card combines prestige, flexibility and protection. In addition to accelerated accumulation of points, the freedom to travel when and where you want and a comprehensive insurance program, you have free access to an outstanding concierge service and the National Bank World MasterCard® lounge at Montreal-Trudeau airport.

New! Healthcare professionals can now obtain a World Elite MasterCard MD,1 credit card, one of the top travel cards. It offers the same advantages as the World card, and much more.

Certain eligibility conditions apply in order to get the World and World Elite credit cards.

When you sign up for the additional MasterCard credit card, your spouse will also be able to benefit from the associated privileges. 

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Unique solutions tailored to your need

Financing solutions tailord to your needs

A flexible line of credit
Offered at an advantageous interest rate, the Personal Flex Line®1, 2 allows you to use your funds with complete freedom. Accessible at any time, it prevents you from having to submit a new loan application for every new project you begin, enabling you to take rapid action.

Mortgage financing
We know your situation is unique. That’s why we offer flexible mortgage financing solutions that meet your specific needs.

  • National Bank mortgage loans allow you to combine several mortgage financing solutions while enjoying advantageous interest rates.
  • The All-In-One BankingTM line of credit, offered at an advantageous rate, allows you to manage your financing needs, bank accounts and short-term cash via a single solution.
 

Rewarding investments, managed your way

Whether you are looking for full-service brokerage solutions for your Wealth Management needs, direct brokerage solutions, or financial planning, investment portfolio management and asset management services, we offer a full range of investment solutions.

National Bank’s team of specialists can help you manage your investments based on your autonomy, financial objectives and investor profile. 

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Essential tools for entrepreneurs

Do you have an entrepreneurial spirit? Our specialized team can assist you in your business activities. National Bank also offers numerous investment and financing solutions to simplify your life, as well as business accounts with reduced rates on certain transactions.

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To be eligible for the financial package for healthcare professionals, you must:

  • Be a physician, a chiropractor, a dentist, an optometrist, a pharmacist, a podiatrist or a veterinarian.
  • Provide proof of your professional status.
  • Deposit all occupational earnings (RAMQ and other) in a National Bank account.
  • Have a bank account and a credit card eligible for the package5.
 

Advantages for students

A bank account with unlimited transactions

Get a CDN$ or US$ bank account3 with no monthly services fees and unlimited transactions on most of the automated services you use on a daily basis.

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A MasterCard credit card for the world traveller in you

A flexible, rewarding tool, the National Bank Platinum MasterCard®, 1 lets you travel with complete freedom and peace of mind. This credit card is offered free of charge for the first two years1.

Fill out the credit card application form and bring it to your advisor with a proof of your status as a full-time student.

Privileges extended to your spouse When signing up for the additional MasterCard credit card4, your spouse will also be able to benefit from the associated privileges.

Learn more

An accessible and reassuring line of credit

The National Bank Student Line of Credit is a convenient and flexible solution for:

  • Financing all your annual tuition and education-related expenses
  • Designed as a regular Chequing account: you can access your funds at any time via Client-Card purchases, Electronic Banking Solutions or cheques.

Main advantages :

  • Advantageous interest rate
  • Credit limit established according to your needs
  • No pay-back of principal or interest while you are a full-time student or resident
  • Option of deferring principal payments for up to 12 months after you complete your studies4, within your credit limit. However, interest accrues during that period. Only interest and insurance premium payments (if applicable) must be made monthly
  • Your repayment period for your Student line of credit will be established according to your credit limit

Annual credit limit:

Field of study Maximum limit authorized for the
duration of your studies
Medicine

$250,000
This includes an extra amount if you pursue on to a fellowship.

Dentistry

Between $130,000 & $200,000 *

Podiatry

Between $80,000 & $120,000 *

Veterinary medicine

Between $80,000 & $100,000 *

Optometry

Between $80,000 & $100,000 *

Pharmacy

Between $80,000 & $140,000 *

Chiropractic

Between $60,000 & $80,000 *

* The amounts vary according to the province where you study.

Transactional free services :

  • Client-Card purchases in Interac®, NYCE®1 and Maestro Networks®2
  • Cheques and preauthorized debits
  • Transactions at National Bank banking machines2 or branch counters: withdrawals, transfers, bill payments and withdrawals for bill payments
  • Online, TelNat telephone and mobile transactions3: transfers and bill payments
  • 200 personalized cheques per year
  • Online or mailed account statement

To be eligible for the financial package for healthcare students, you must:

  • Be a full-time student in Canada in one of the following disciplines: medicine, dentistry, veterinary medicine, podiatric medicine, optometry, pharmacy, chiropractic.
  • Visit your branch once a year to update your file. Two pieces of identification, a proof of status as a full-time student and your most recent transcripts will be requested.
  • Have a bank account and a credit card eligible for the package5.

 

1 Subject to credit approval by National Bank of Canada. Certain conditions apply.
2 Subject to credit approval by National Bank of Canada. Certain conditions apply. Grace period: No interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10, whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.
Examples of interest charges for a 30-day period at the rate applicable on February 1, 2014:

 
Average balance
Annual interest rate
$500 $3.000
Purchases 19.99% $8.22 $49.29
Cash advances and balance transfers 21.99% $9.04 $54.22

3 Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement.
4 Services offered and insured by CanAssurance, a subsidiary of Blue Cross.
® MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.